💸 SWP Calculator

A SWP calculator shows how long your mutual fund corpus will last when you make systematic monthly withdrawals. Enter your retirement corpus, monthly withdrawal amount, and expected return to find out how many months your money will last and when it might deplete.

🇺🇸 Calculating for United States

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Withdrawal plan details

Total corpus (₹)

Monthly withdrawal (₹)

Expected annual return (%)

Your corpus lasts

50+ years

Withdrawing ₹30,000.00/month from ₹50,00,000.00 at 8% annual return — your corpus outlives a 50-year horizon

Total withdrawn

₹1,80,00,000.00

Final balance

₹3,14,39,091.59

Corpus balance over time

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Frequently asked questions

What is SWP in mutual funds?▾

SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund corpus every month, like a self-funded pension. The remaining corpus continues to earn returns.

How long will my corpus last with SWP?▾

It depends on your withdrawal rate vs return rate. If your corpus earns more than you withdraw monthly, it may never deplete. Use our SWP calculator to find your exact timeline.

What is a safe withdrawal rate in India?▾

A withdrawal rate of 3–4% annually (0.25–0.33% monthly) of corpus is generally considered sustainable for 25–30 year retirements at 8–10% expected returns.

Is SWP tax efficient?▾

Yes. Each SWP redemption is treated as a capital gain — only the gain portion is taxed, not the full withdrawal. Long-term capital gains (after 1 year) on equity funds are taxed at 10% above ₹1 lakh.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.